| HEALTH INSURANCE Individual health care [ Full coverage insurance ] provides coverage for only one individual, or family. In general, individual plans are more expensive than group [ full coverage insurance ]. You can obtain individual plans directly from a company who offers them. The company with whom you apply will evaluate you from a health standpoint, in terms of how much risk you present to them. Usually, they'll provide a questionnaire for you to fill out, asking various questions about your current and past health history. They will determine your risk accordingly, from which a premium will be generated. Things to look for: Most individual plans fall under managed health care plans. Under this, you can opt for an HMO, PPO, or POS plan. Guaranteed renewable: Your insurer cannot cancel your coverage if you become sick. If you continue to pay your [ health insurance ] premium, coverage continues. If available, group [ health insurance ] is generally a better option, since it is usually more comprehensive and less expensive than individual [ health insurance ]. However, individual coverage is ultimately better than being uninsured in the event of illness or injury. Although you may think you can do without [ health insurance ], you are taking a major risk if you choose not to get coverage. An unexpected illness or serious injury can put you and your family under financial stress. In a group [ health insurance ] situation, the provisions of the policy are negotiated between the insurer and master policy owner (usually an employer or association). With individual [ health insurance ], you are directly in control of your policy. You can negotiate to have certain provisions included or excluded, and you can often choose your deductible amount and co-payment percentage. Keep in mind, however, that these things will have an effect on your premiums. |
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